We all have things we’d like to accomplish during our lifetime, and many of them cost money.  The truth is, unless we learn how to manage money and make it work for us, it may be hard to accomplish all of the things we’d like.  By creating a budget that monitors spending and establishes a savings routine, you may be able to accomplish your short-term savings and emergency reserves objectives and allocate money to invest for long-term objectives. The goal of investing may be to make your money grow or to produce income - or both.